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Finding the cheapest car insurance quotes in Cummings shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Cummings
The car insurance rate in Cummings is $1000 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $418, making it a popular choice for budget-conscious drivers. Rates in Cummings can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $418 for a six
month policy, American Family offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto
insurance rates at $440 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $700
for six months, making it
the third cheapest auto insurance company in Cummings.
Cummings Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cummings, KS is American Family, offering policies at just $418 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $440.
At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1823 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cummings drivers find the best deals.
Way's key takeaways about car insurance in Cummings
The auto insurance costs in Cummings fall around $418 for six
months.
The cheapest auto insurance company in Cummings is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Cummings at $1067 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Cummings
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Cummings are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Cummings. Their Average 6 Month Premium is $158.
Encompass is the most
expensive at $226 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Cummings is American Family
at $69 per month and $418
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cummings,
KS
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Instantly!
Average Car Insurance in Cummings by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Cummings, KS increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cummings, Kansas, may be increasing due to several external factors.
Kansas has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Cummings's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cummings
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Nationwide
$713
30s
Nationwide
$612
40s
Nationwide
$496
50s
Nationwide
$454
60s
Nationwide
$433
70s
Nationwide
$469
Cheapest Car Insurance Rates for Teen Drivers in
Cummings,KS
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners Insurance Co provides the cheapest car
insurance in the Cummings at $35
per
month. At $6399 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties Nationwide is
the best choice for car
insurance in Cummings.
As young drivers face the highest rates in Cummings, Nationwide
offers the cheapest auto insurance rates at $713 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Cummings,
American Family is
the cheapest car insurance provider. At $372 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Cummings is State Farm, offering
rates of around $5789 for six
months.
Save up to $971/yr on car insurance rates in Cummings.
Car Insurance Rates with An Accident in Cummings
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Cummings, KS,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cummings
The cheapest car insurance companies after an at-fault accident in
Cummings include AutoOwners Insurance Co
and American Family, offering $192
and $220,
respectively. Encompass is an expensive provider
with an average six-month premium of
$311.
Here is a list of driving violations that can increase your car
insurance rates in Cummings KS. For example, the car
insurance in Cummings
after a DUI increases to $965 for a six
month policy. While the rate increases by $215 for a six-month policy in the case of
a speeding ticket.
Cummings auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1106
$184
One Med/PIP claim
$1106
$188
Not-at-fault accident
$1134
$189
Two Med/PIP claims
$1185
$201
One comp claim
$1190
$199
Failure to show documents
$1225
$208
Two comp claims
$1236
$206
Failure to wear a seat belt
$1247
$212
Child safety restraint
$1281
$214
Driving with expired registration
$1281
$218
Driving without lights
$1281
$214
Speeding 6 - 10 MPH over limit
$1321
$224
Cell phone violation
$1338
$223
Driving too slowly
$1338
$227
Texting while driving
$1338
$223
Failure to yield
$1349
$229
Following too closely
$1349
$225
Illegal turn
$1349
$229
Wrong way/wrong lane
$1349
$225
In 65 MPH zone
$1355
$230
Speeding 11 - 15 MPH over limit
$1355
$226
Failure to stop at a red light
$1360
$231
Improper passing
$1360
$227
Speeding in school zone
$1360
$231
Speeding 16 - 20 MPH over limit
$1365
$228
Open container
$1377
$234
Operating a vehicle without permission
$1388
$232
Passing school bus
$1399
$238
Speeding 21 - 25 MPH over limit
$1399
$234
At-fault accident - less than $1000
$1416
$241
At-fault accident - $1000-$2000
$1563
$260
At-fault accident - greater than $2000
$1563
$266
Racing
$1727
$288
Reckless driving
$1873
$318
Driving with a suspended license
$2031
$338
Refusal to submit to a chemical test
$2054
$350
DUI
$2071
$345
Leaving scene of an accident/hit and run
$2156
$367
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Cummings after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Cummings.
The cheapest car insurance premiums in
Cummings are
offered by American Family at $254 for a six-month policy.
However, it can be as
expensive as $4311 with companies
like Farm Bureau.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Cummings are offered by Iowa Farm Bureau
at $248. However,
it can be as expensive as $2574
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Cummings after Speeding ticket
Car insurance rates in Cummings have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cummings rose by
$207 in January
compared to $176 of December. In other words, there has been an increase by $31 when you
compare January and December.
The average cost of liability insurance in the Cummings rose to $48 in January,
compared to $44 in December.
This represents an increase of $4
when comparing January and December.
Average Car Insurance Cost in Cummings by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cummings. At $2000 for a
six-month policy, insuring
your car at 66016 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cummings?
The car insurance in Cummings is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Cummings?
The cheapest car insurance in Cummings
is $69 per month
for full coverage.
How much is car insurance in Cummings for teenagers?
Car insurance for teenagers costs $209 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Cummings?
The average cost of car insurance is $1053 for a six-month
policy. It will cost around $168 per month to insure your
car in Cummings.
Is car insurance expensive in Cummings?
Car insurance can be expensive in Cummings if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cummings can be
affordable.
What is the best car insurance in Cummings,
KS?
The best car insurance company in Cummings
KS is
American Family, offering $418 for a
six-month policy.
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Car Insurance Rates by State in the USA (2025 Update)
Cummings Car Insurance
